Common use of Optional Repayment Clause in Contracts

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 dated May 12, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 014 dated May 12March 10, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 048 dated May 12August 4, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 047 dated May 12July 28, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 025 dated May 12April 21, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 030 dated May 12, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 043 dated May 12July 7, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 018 dated May 12March 31, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 016 dated May 12March 24, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 040 dated May 12June 23, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 044 dated May 12July 14, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 039 dated May 12June 23, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 054 dated May 12September 8, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 034 dated May 12June 2, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 037 dated May 12June 16, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 041 dated May 12June 30, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 028 dated May 12April 28, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 045 dated May 12July 21, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 021 dated May 12April 7, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 022 dated May 12April 14, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 036 dated May 12June 9, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 053 dated May 12September 2, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 027 dated May 12April 28, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 017 dated May 12March 24, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 042 dated May 12July 7, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 033 dated May 1219, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 038 dated May 12June 16, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 023 dated May 12April 14, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 052 dated May 12August 25, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 046 dated May 12July 28, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 035 dated May 12June 9, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 019 dated May 12March 31, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 049 dated May 12August 11, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 020 dated May 12April 7, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 051 dated May 12August 18, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 029 dated May 125, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 032 dated May 1219, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 050 dated May 12August 11, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.

Optional Repayment. Optional Repayments under Section 2.2 of the Policy may be made solely with respect to the “Survivor’s Option” described in Pricing Supplement No. 031 024 dated May 12April 21, 2008 to the Prospectus Supplement dated December 9, 2005 related to the Program.